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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Emergency Cash Loans – For Life’s Little Hiccups

Apply for an emergency cash loan with Nifty!

Are you looking for emergency cash loans? No matter how hard we budget, we aren’t always prepared for life’s financial hurdles. Storms come raging, medical expenses pile up and accidents happen! Yet, when the unexpected occurs, you don’t have to panic. Emergency cash loans can help sort out an urgent, unexpected expense and set your mind at ease. At Nifty Loans, we know how hard it can be to access finance when you need it most. That’s why we’ve streamlined our application process to deliver fast cash loans when emergencies happen.

emergency cash loans


Understanding Emergency Cash Loans

There are a number of reasons why people may find themselves looking for fast emergency cash loans online. Basically, emergency loans are a form of short-term personal finance designed to help borrowers cover urgent expenses. These expenses include everything from dental bills to car repairs. At Nifty Loans, we require every applicant to include a reason for their loan as part of our responsible lending policy.

Sometimes there’s no accounting for emergencies. No one understands that better than the team here are Nifty Loans. Accidents happen, illness knocks us back and the bills just keep coming. In these moments, it’s easy to feel financially overwhelmed but that doesn’t have to be the case. Nifty takes a realistic look at your financial situation and makes a fair and reasonable assessment. Our team is down to earth. When you apply with Nifty you can be guaranteed a fair go at accessing emergency cash bad credit and all.

Why Choose Nifty for your emergency cash loan?

Before you apply for a personal loan you probably want to know a little more about us, right? Well, at Nifty, we are proud to be your local lender. We are Australian owned and operated, so our focus is on the local community. We understand what you’re going through. At Nifty, we know that life is full of curveballs – especially financial ones!

That’s why we do our best to give every applicant a fair go at a loan, even if their credit score is less than amazing. Our team understands that when you need emergency cash loans bad credit there is no time to waste. That’s why we have made the application process super simple. All you need is an internet connection. You could even fill out our 100% online application form from your smartphone in just a few minutes. We love the convenience and we think you will too.

Emergency Cash Loans in One Hour!

At Nifty, we believe in speedy service. When you apply during regular AEST business hours our team will usually be able to provide an outcome within 60 minutes. Not only this but if you have an NPP enabled bank account (which over 90% of Australian bank accounts are), your funds can be in your account within 60 seconds of accepting your contract! If your bank is not NPP enabled, inter-bank transfer times can affect the speed at which the money hits your account. We do our best to make fast easy loans online reality and same day service is something we do our best to achieve.

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100% Online

Our loan application is 100% online, meaning no messy paperwork and no extended waiting periods. Say goodbye to waiting days and hours for an outcome, if you apply during our standard working hours we could get back to you within the hour! Best of all, we’ve optimised our application process to be as simple and efficient as possible. You could even finish it within just a few short minutes.

Transparency is Our Middle Name

At the heart of what we do is our dedication to transparency. We believe in being 100% open with all of our fees and charges. All your possible fees and charges are included in your loan contract. Our team will also always endeavour to help you find the right financial solution to meet your situation.

Fast & Fair Assessments

While we can’t promise you emergency cash immediately, we can promise to give you a fast and fair assessment. Even if you need emergency cash bad credit!Ultimately, your credit score is just one piece in the larger puzzle of your finances. Over time, we all have our ups and downs. That’s the growing pains of life! Yet, it doesn’t mean we should be burdened with our mistakes for so long.

Repayments Made Easy

Repaying your loan with Nifty couldn’t be easier! We’ll set up your repayments so they will be directly debited from your account. There’s no need to worry about setting a reminder to make your payments – everything will be automatic. Repayment terms vary based on your loan size but will generally range from 6-24 months, depending on your loan amount. As soon as you’ve repaid your loan, your repayments will stop. Simple as that!

You’re probably also wondering, can I Repay My Loan Early? Of course! Nifty is more than happy for borrowers to repay their loan early. We do not charge any early exit fees, so you’re welcome to repay your loan sooner if you’d like.

Responsible Lending

At Nifty, we take responsible lending very seriously. What’s responsible lending? Well, essentially it means we will only ever lend money to people who we believe have the means of repayment. Our team is all about promoting financial health and wellbeing. We don’t want to get you into financial hardship, we want to help you escape it. So, you can rest easy knowing that your financial situation is properly assessed. Our team is always here to help so we encourage you to get in touch if you have any questions!

Emergency Money: How Much Can I Apply For?

Nifty offers three types of personal loans that can be used to cover emergency expenses:

Type Amount Term Security
Small $300 – $2,000 6 – 12 months Unsecured
Medium $2,001 – $4,600 9 – 24 months Secured
Large $5,000 – $10,000 9 – 24 months Secured

Although it’s free to apply, if you’re approved for an emergency cash loan standard fees and rates will apply. Head to our costs page or get in touch for more details on what associated costs you can expect to pay for our loans.

Who Can Apply for Emergency Cash Loans?

So, now that we’ve covered the important details, let’s talk about who is eligible to apply. At Nifty, we like to keep things as simple as possible. So, if you can meet the following criteria you could scroll up and apply for an emergency loan right now:

  • Are you an Australian citizen or permanent resident?
  • Are you 18 years of age or older?
  • Over the last 90 days, have you received a regular income into your own personal bank account?
  • Do you have an active email address and mobile phone number?

If you can fulfil all of these requirements then you’re eligible for one of our emergency cash loans!

Emergency Cash Loans For Unemployed Applicants

Have you been googling ‘emergency cash loans unemployed no more hassle’? Well, stop your searching! If you’re unemployed you may still be eligible for emergency cash loans with Nifty if you receive some alternative form of income. For example, we may consider Centrelink payments as an adequate form of income so long as they meet the needs of our loan repayments.

Ultimately, this varies between applicants so we can’t guarantee emergency cash loans to unemployed applicants. If you’re unsure whether you would qualify for a loan with your income, we still encourage you to apply. It’s free to do so and that way we can provide a more comprehensive answer.

Emergency Cash Loans Bad Credit

Want to apply for a loan but afraid your bad credit history is holding you back? Don’t stress! Here at Nifty Loans, we take a different approach to credit. We understand that negative reports on your credit history can last for as long as 7 years. A lot can change in that time and you shouldn’t have to be held accountable for past mistakes. Consequently, we’ll look at other factors like your income and employment status when determining your approval for a loan.

We may not be able to guarantee approval, however, we guarantee we’ll give you a fair go at finding a loan when you need it most.

Do You Provide Emergency Cash Loans No Credit Check?

No! Although we don’t view your credit score as the be-all/end-all, we do conduct credit checks on all our loan applications. Credit checks are part of the larger process we undertake when investigating your current relationship with finances. So while we won’t base your assessment solely off your credit rating, as a responsible lender, we want to ensure that we are providing finance to applicants who can afford it.

Documents You’ll Need

To apply for emergency cash loans with Nifty, you only need the essentials! Before you begin your application make sure you have the following information handy:

  • Personal details (e.g. online banking and employment info)
  • A reason for why you need the loan
  • Your myGov details (if you are on Centrelink)
  • Your employer’s contact details

Why Do You Need My Internet Banking Details?

Why does Nifty look at bank statements? Essentially, we look at your bank statements to verify spending habits, regular transactions and deposits, as well as income. We prefer to look at more than just your credit score. Bank statements give our team a realistic insight into your current financial situation. We encourage you to get in touch with any questions or head over to our FAQ page.

4 Steps to Your Emergency Cash Loan

Think you’re ready to apply? Emergency cash loans are just four steps away!

Although we can’t guarantee you will be approved for a loan with us, we can promise to give you a fair assessment. Please direct any questions or concerns you may have to our contact form and our friendly team will be in touch soon!

1. Submit your application

To start, scroll up and use our loan calculator to enter your preferred loan amount and repayment period. Once you’re happy, hit the ‘apply now’ button and you’ll be directed to our online application form. There you will just need to enter a few more details to finish off your application. If you have all your documentation ready to go, you’ll be right to hit submit in just a few short minutes!

2. Get an answer from us

Now, it’s our turn to get to work. While we review your application, sit back and relax. Our assessment process is highly efficient, so you could get an answer within the day! If you submit your application during regular AEST business hours, we could even have an outcome for you in as little as 60 minutes. If your application is approved, our team will contact you directly.

3. Sign your loan contract

If approved for a loan with us, we will send through a loan contract to read and sign before we release your funds. Please ensure you read through this agreement carefully so you are aware of any fees or charges you could incur for late or failed payment. If you’re happy with the terms, simply sign and send it back to us!

4. Money money money!

Once we have received your signed loan agreement, we’ll schedule the transfer of your money! If your bank has partnered with the New Payments Platform, we may be able to transfer the money to your account straight away. Otherwise, you can expect to receive your money overnight at the latest, if you returned your signed contract during business hours. Refer to your banks’ website for information specific to their transfer times.

Before You Apply

Emergency cash loans can help cover the expense of unexpected costs, but you should still consider whether a personal loan is right for you. Nifty does not provide financial advice so speak to a professional financial advisor if you have any uncertainties. Ultimately, it is up to you to decide whether or not a loan product is suitable. If you would like to know more about our loan products, we’re 100% transparent. We won’t keep anything a secret. So contact us directly if you have any questions regarding our loans.

Stay Informed!

Still, have some questions about our personal loan products? Want to learn more about finance in general? Nifty Loans covers a wide range of topics on our site, including everything from loans for people on Centrelink to micro loans. You can also read up on the latest in finance and lifestyle over on our blog!

For answers to our most commonly received questions, check out our FAQ page!

Apply Now

Andy Andy


Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
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Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
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Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
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Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
View Loan Details

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.